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It’s 2015, the mid-point of the decade and a good time to start looking at major trends in Asian financial services over the next five to ten years. One of the major themes will be regional integration, which is another way of saying the development of cross-border markets. There are at least two important threads […]

As we highlighted in our recent report The Update on EMV Migration in the US: Leaving the Station and Building up Steam, the US market is finally making a strong progress towards EMV. While many of the barriers we discussed in the past have been dismantled, there are still challenges that remain. One such challenge […]

Jan 23rd, 2015 | Filed under Banking, Corporate Banking, Retail Banking

I travel. A lot. And in the spirit of full disclosure, Delta and Starwood are my go-to airline and hotel chain. It helps that they have a mutually reinforcing arrangement whereby I receive miles for my Starwood stays and SPG points for my Delta flights. It just so happens that I’d already settled on these […]

Jan 8th, 2015 | Filed under Banking, Corporate Banking, Retail Banking

Everyone in banking is talking about “Digital.” Celent has hosted fascinating roundtables on the topic, and it’s the basis of one of our three themes. And yet, there’s a startling lack of consensus on what Digital means. There’s a famous proverb of a group of people in a dark room who touch different parts of […]

Dec 30th, 2014 | Filed under Banking, Corporate Banking, Retail Banking

How much savings in back-end processing costs do real-time core banking systems really offer? A 2011 Celent report entitled Why Change Cores?  was written in the wake of the news that BBVA Compass had decided to convert to Accenture’s Alnova real-time core platform.  At the time, the analyst community seemed to agree that we were […]

Dec 22nd, 2014 | Filed under Banking, Corporate Banking, Retail Banking

Three things came across my Twitter feed the same afternoon. Consider the following and see if you think they are related: “When we depend too much on our GPS, we lose the will and skill to explore.” Tom Peters via Twitter, 20 November 2014 “A creative person is by definition inefficient. She/he is wandering along […]

Nov 20th, 2014 | Filed under Banking, Corporate Banking, Retail Banking

There is a lot of hype around wearables (smartwatches, fitness bands, etc.) and they may have all kinds of interesting potential. This potential, particularly for banking is still to be determined. However, I believe that there is a great opportunity for certain wearable devices to provide strong authentication and enhance the user experience (see this […]

Nov 11th, 2014 | Filed under Corporate Banking, Retail Banking

I just arrived home from Washington, D.C., where the Association For Financial Professionals – a leading society for treasury and finance professionals in the US – held its annual conference.  It was interesting that the AFP decided to hold its conference in Washington – the first time it has been held in AFP’s hometown – during the run-up […]

Nov 6th, 2014 | Filed under Banking, Corporate Banking, Events, Uncategorized

The game is afoot! The announcement from The Clearing House regarding real-time payments last week came as no surprise – indeed, it felt inevitable. The Federal Reserves’ significant work around the topic, and their clear determination that it would happen, seems a clear indication that they wouldn’t rest until it was delivered. The question then […]

Oct 30th, 2014 | Filed under Banking, Corporate Banking, Retail Banking

I’ve just returned from a two-week swing through Asia, with stops and roundtables in Tokyo, Singapore, Melbourne and Sydney. Along with my colleague Neil Katkov I was fortunate to meet a large number of clients and market participants, both banks and their ecosystem partners, in a series of more than two dozen meetings. In each […]

Oct 29th, 2014 | Filed under Banking, Corporate Banking, Retail Banking